The Resilient American Gen Zer

Despite tariff headwinds in 2025, the U.S. economy exceeded expectations and is positioned for continued growth. Improving credit dynamics point to a stronger lending environment in 2026.

• Solid economic momentum heading into the new year
• Improving lending standards and rising credit demand
• Stable delinquency trends support healthier credit conditions

A new year means new opportunities — and new pressure to make every marketing dollar count. Whether your focus is to expand your portfolio, deepen existing relationships or improve marketing efficiency, this checklist will help you prepare to drive stronger, smarter growth all year round.

You’ll discover how to:

• Master the new prospecting formula
• Use data to drive personalization
• Create cohesive messaging across channels

Read the latest findings about "Closing the credit gap" white paper, and what they mean for financial inclusion and risk management.

Key insights:

• Income and credit trends reveal significant disparities that impact access to financial products.
• Demographic shifts across gender, household structures, ethnicities, and generations are reshaping borrower profiles.
• Lenders who adapt their strategies and product offerings can expand their customer base, reduce default rates, and lead in inclusive finance.

As we step closer to 2026, all eyes remain on the economic outlook, the labor market and consumer health. Experian’s Chief Economist Joseph Mayans, Director of Fintech Gavin Harding and Solution Insights Director Amanda Roth, will provide a look into:

• The latest economic and credit trends
• Labor market and consumer health
• Student loan update